Credit Risk Director - Government Risk, Executive Director

Bring your expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks, and using your expert judgement to solve real-world challenges that impact our company, customers and communities.  Our culture in Risk Management and Compliance is all about thinking outside the box, challenging the status quo and striving to be best-in-class. 

 As an Executive Director, Credit Risk Director for the Government Risk team within Commercial Banking Risk,  you will lead a team of risk professionals, overseeing credit approvals and portfolio management for clients within our Government Banking vertical.   Additionally, you will be responsible for structuring and negotiating complex credit transactions, maintaining accurate risk ratings, proactively managing portfolio health, and ensuring adherence to internal policies. You will serve as a subject matter expert, mentor team members, and drive execution in a dynamic, fast-paced environment. Occasional travel required.

Job Responsibilities

• Lead credit analysis, financial modeling, and structuring of new transactions and portfolio management.
• Develop and communicate independent views on credit decisions to stakeholders and senior leadership.
• Oversee negotiations and legal documentation for bilateral, syndicated, and institutional loan structures.
• Assess risks and mitigants, manage renewals and amendments, and maintain credit reporting metrics.
• Ensure accurate, forward-looking risk ratings, proactively manage deteriorating credits, and maintain a strong control environment.
• Serve as an expert on structuring, credit policy, and municipal risk issues.
• Mentor and coach team members, embrace change, and contribute to organizational improvement.

Required Qualifications, Capabilities, and Skills

• Bachelor’s degree required.
• Completion of major bank credit training or equivalent experience; strong understanding of bank credit policies.
• Minimum 10 years’ experience in commercial banking/lending, including credit analysis, structuring, loan documentation, and ancillary bank products with strong emphasis within the municipal sector. 
• Superior credit, accounting, corporate finance, analytical, and financial modeling skills.
• Solid knowledge of bond and loan documentation and negotiation of complex credit agreements including Master Trust Indentures and Bond Resolutions.
• Strong interpersonal, communication, and attention to detail skills.
• Excellent organizational, analytical, and project management abilities; adept at managing multiple priorities.
• Proven ability to build collaborative relationships and foster teamwork.
• Quick learner with intellectual curiosity and initiative; able to perform well under pressure.

Preferred Qualifications, Capabilities, and Skills

• Deep understanding of municipal risk across multiple states and an understanding of the impact of federal policy on local outcomes preferred but not required.